Relationship Manager (CRE experience with ground-up Construction & Bridge Loans required)

Jobot; Laguna Beach (CA); On-site; USD 130,000 - 210,000; Full time

Benefits offered by this job

Metric bonuses

Commissions

Profit sharing

Flexible work environment

Annual bonus

Benefits package (401k)

Job summary

Jobot seeks a Relationship Manager with CRE experience focusing on ground-up construction and bridge loans in California. You will lead underwriting and credit analysis for CRE transactions, evaluating borrower financials, sponsor strength, and market conditions.

The role offers a salary of $130,000–$210,000 per year with bonuses, commissions, and strong benefits in a flexible work environment.

Qualifications

• Minimum 10+ years in commercial real estate lending.
• Experience with ground-up construction properties.
• Experience with Bridge, Perm, and Lines of Credit.
• Ability to evaluate sponsor strength and market conditions.

Responsibilities

• Lead underwriting and credit analysis for CRE transactions, including borrower financials, guarantor strength, cash flow, and sponsor experience.
• Apply market-standard credit metrics (DSCR, LTV, covenanting) and scenario analysis to assess viability and risk.
• Evaluate collateral and market fundamentals including submarket conditions, rent comps, and exit strategies.
• Structure transactions with appropriate terms, pricing, covenants, reserves, and recourse/non-recourse features.

Skills

CRE lending experience

Ground-up construction

Credit analysis

Underwriting

Job description

Job details:

Relationship Manager (CRE experience with ground-up Construction & Bridge Loans required)

This Jobot Job is hosted by: Joseph Calabrese

Salary: $130,000 - $210,000 per year

A bit about us

We are a well-established California bank that has been in operation for over 100 years

Why join us?

• Multiple Metric bonuses
• Commissions
• Profit sharing contribution
• Flexible work environment
• Annual Bonus
• Strong benefits (M,D,V, and 401k)

Job Details

• Lead underwriting and credit analysis for CRE transactions, including evaluation of borrower financials, guarantor strength, global cash flow, liquidity, contingent liabilities, and sponsor experience.
• Apply market-standard credit metrics (DSCR, LTV, guarantor analysis, covenanting, Debt Yield, break-even occupancy) and scenario analysis to independently assess transaction viability and risk.
• Evaluate collateral and market fundamentals, including submarket conditions, tenant concentration and rollover, rent comparables, capital expenditure needs, and exit strategies

Structure transactions with appropriate terms, pricing, and risk mitigants - including covenants, reserves, guarantees, amortization, and recourse/non-recourse structures

Requirements

• 10+ years of experience in Commercial Real Estate (CRE) lending, including origination support and portfolio management.
• Working knowledge of CRE product types, including Bridge, Permanent (Perm), and Lines of Credit.
• Experience supporting typical transaction sizes in the $5MM-$30MM range or demonstrated ability to support transactions of similar scope/complexity.
• Experience with ground-up construction properties
• Underwriting support experience with the ability to identify key risks related to sponsor strength, market conditions, tenancy, cash flow, and collateral quality

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot's policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

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